Secured Loans

Secured loans representative example: If you borrow £10,000 over 10 years at an Annual Interest Rate of 6.7% (variable) you would make 120 payments of £134.56 per month. The total amount repayable will be £16,147.20 (This includes a lender fee of £495 and a broker fee of £1,250 which have been added to the loan.) The overall cost for comparison is 10.9% APRC representative.

Apple Loans is a trading name of Smarter Clicks Financial Services (FCA firm registration number 792246) who are licenced credit brokers and not a lender. Nothing on this website constitutes financial advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Smarter Clicks Financial Services is a credit broker and not a lender. Nothing on this website constitutes financial advice. If you need financial advice you should speak to a qualified financial advisor. This website provides information only, and the choice of product is for you alone to choose. As a broker we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability. Our service is free to use, and we as a broker are paid set marketing fees each month from the third party brokers / lenders we work for to carry out financial marketing on their behalf.

Rates from 4.5% APRC to 65.2% APRC are available - the highest rate is for customers with severe credit problems. Loans available from 1-25 years

TYPICAL 10.9% APRC variable.

Calls may be recorded for training purposes. The third party lender or broker may charge a fee of 0% up to 15% on your loan.

Our experts will find you the best secured loan quote from major UK lenders...

- with Good or Bad credit...

Secured loans provide borrowers with an easy choice of finance options, with rates and repayments that can be highly competitive compared to alternative forms of credit. It's no surprise that secured loans are so affordable, given that they require security by way of property, in order to guarantee repayment of the loan. For this reason, secured loan rates are usually lower than unsecured loan rates, and loan plans are readily available to most homeowners, and can be used for almost any purpose. The greater the equity you have in your property (the value of the property minus the outstanding mortgage) the more flexibility there is over the choice of secured loans made available to you.

Greater choice with fewer restrictions

For customers looking for a cost-effective way to borrow, a truly great advantage that a secured loan has over other types of borrowing is the wide choice of loan plans that are available to people who don't fit the rigid customer profiles that banks tend to prefer lending to. It means you can be accepted for a secured loan if you haven't got a full time job, or if you're nearing retirement age, or even if you have a poor credit score due to missed payments or defaults on credit cards, your mortgage or other loans you may have previously arranged.

Lowest rates combined with high chances of approval

It's a fact that for many people, unsecured loans are simply not an option due to the restrictions many lenders and banks have placed on lending criteria, especially over recent years. An application for an unsecured loan, or personal loan as they are commonly referred to, could be more likely to be refused through an applicant's inability to fit a lender's 'profile'. They also involve smaller loan amounts, so there is a limit to how much can be raised.

Secured loans on the other hand are widely available to customers from all backgrounds and different circumstances, and you can apply to borrow anything from £8,000 to £500,000.

It's this flexibility of loan amounts and repayment terms when coupled with a lower rate of interest, that makes secured loans a viable and appealing option with which to finance a life event or important purchase that may otherwise be unachievable through other financial arrangements.

From consolidation loans that can be used to replace expensive credit cards and help reduce monthly outgoings to home improvement loans or secured loans simply to raise money for a special family holiday or celebration are examples of how a secured loan is put to good use by a great many people.

Soft Quote - won't affect your credit

The application process for a secured loan is carefully designed to make each question and each stage as easy to follow as possible. The information you provide helps us to identify the right lenders and what rates and products are available to you as an individual.

There are so many considerations that come into play when secured loans are sourced for you. The main thing to remember when applying for a secured loan quote is that there are some important questions that we will need to understand about your circumstances, through your application. Mainly, this is to do with affordability and the level of security offered to the lender. We want to be 100% sure that you can make monthly repayments comfortably, and that a loan isn't going to put you under financial pressure, on the contrary, it's there to help your financial situation.

A few questions about your current finances, for example your income, property value and existing outgoings, will help us make the right decision about the type of secured loan needed and its suitability for you as an individual. If your property is jointly owned, there will of course need to be a joint application made, which means both sets of details are required.

Fast approval, and payout

A decision, in principle, is made quickly, and an agent will talk you through the details with you. From there we would fully expect our agent to make you a firm secured loan offer for you to review, just as soon as the information has been processed by our team and the lender has agreed to make the funds available.

It's important for you to know that there is absolutely no obligation to take out the secured loan following an in-principle decision and quotation - or after the final loan offer has been made. If you don't want the money, or your circumstances change, you simply don't sign the final agreement, we certainly don't pressure you into proceeding with something you're unsure about.

Whether for secured loans or any other product, we ensure the terms are carefully explained, so you can make an informed decision about whether or not you wish to proceed. Clear information sets out the rate, the monthly repayment and how long the term is, and importantly, what the overall cost of the loan is.

If you do agree with the terms of the secured loan, our broker will arrange a transfer of the funds into your bank account. We are right by your side at each stage of your loan application, and we always take the time to keep you informed about its progress.

Good or bad credit accepted

Customers will often ask for fast secured loans, and we understand why there is often a need to offer quick secured loans in some instances. The service we offer, like any other finance provider, is as fast as legislation allows, so speed of service will never sacrifice quality of service. We always respect the laws governing secured loans, because they are in place to give customers the reassurance that their interests are always number one priority.

We search the whole UK market, so you don't have to

It's important to know that the rate offered can vary greatly, according to your personal circumstances, and that is why your shown a range of products and rates with any secured loan figures quoted.

A number of factors influence the choice of loan products offered. Due to the diverse range of lenders and the different types of products they offer, a broker has a lot of work to do to make the right decisions over which lending option is right for each individual customer. Our agents start by searching the whole market to identify the right secured loan products, so unlike approaching a bank who can only offer their own products, you get a portfolio of options. Our close working relationship with different secured loan lenders allows us to search quickly through online systems that are updated regularly.

Credit history will also make a difference to the secured loan rates and repayments you are offered. If you have a high credit score you are a 'low risk' borrower, so lenders will generally offer loan plans at a lower rate than if you were 'high risk' with a lower credit score. Risk is directly linked to rates, so higher risk means high rate. However it's good to know that even if you have a low credit score and were refused credit elsewhere, there's a good chance your rate will be much lower than you think.

Our experts have been providing 'best quote' loans for 43 years

We want to provide customers with the best secured loans possible for your needs. If you would like an idea of rate and repayment options you could obtain, ask for an instant secured loans quote. Our agents are highly experienced in arranging secured loans and we hope our best quote for a loan will exceed your expectations.

It's easy and quick to find out, so apply for a secured loan quote today.

In assessing a secured loan enquiry, enquiries will be made about you including searching records held by Credit Reference Agencies and by checking details with Fraud Prevention Agencies. If you give us false or inaccurate information and we suspect fraud we will record this. The Credit Reference and Fraud Prevention Agencies will keep details of any searches.

Information held about you and by the Credit Reference Agencies may already be linked to records relating to one or more of your financial partners. For the purpose of this application you may be treated as financially linked and your application will be assessed with reference to any 'associated' records.

If you are a joint applicant or you have told us of some other financial association with another person, you must be sure that you are entitled to disclose information about your joint applicant or anyone referred to by you. An association between joint applicants and between you and anyone else you tell us is your financial partner will be created at Credit References Agencies and shall remain until a successful disassociation has been registered with the Credit Reference Agency.

Your consent is required for us to disclose details of the application and how you conduct your account (including any default) to Credit Reference & Fraud Prevention Agencies. This information may be used to help us and other organisations:

(a) assess the financial risks of dealing with you and other
members of your household
(b) to help make decisions on motor, household, credit, life
and other insurance proposals and insurance claims
(c) to administer agreements & insurance policies with you
(d) to help prevent or detect fraud, prevent money laundering
or other claims, recover debts and trace debtors and
(e) for statistical analysis about credit, insurance and fraud.

If you request home insurance we may pass information about
you to any organisation approved by us to enable them to arrange
and administer the requested plan and for the purposes of underwriting,
claims handling and fraud prevention (which could include passing
details to other insurers).

Unsolicited Email Messages

We require that all emails promoting appleloans.co.uk or its products are sent only to clients who have agreed to receive such messages. We prohibit any advertising of our brand and website using unsolicited email messages. Not complying with this policy will cause partnership termination and/or affiliate account termination.

If you feel you’ve been sent unsolicited emails promoting our brand or website and would like to register a complaint, please click here to contact our customer service department. We will immediately investigate all allegations made related to unsolicited messages.

Apple Loans is committed to excellence in customer service and to treating its customers fairly. It recognises that from time to time things can go wrong, which means you may need to make a complaint. All complaints are investigated fairly and thoroughly, so that we can resolve your issue, and, where we have made a mistake, for us to learn from your complaint.

How do I complain?

In the event that you ever have to complain to us, you should contact:

Do I have to make the complaint in writing?

No. We are happy to accept complaints by telephone on the above number. Please make it clear that you are registering a complaint and make a note of the name of the person you spoke to and the date on which you rang.

What happens next?

a) We will acknowledge your complaint promptly and in any event within 5 working days of your complaint being received. If you do not hear from us in that time, please check first to see that we have actually received your complaint.

b) We will investigate your complaint fairly, impartially and thoroughly.

c) If we are not able to provide you with a full response to your complaint within four weeks, we will send you a letter explaining how we are progressing with our investigation.

d) After we have investigated your complaint, we will write to you explaining the outcome of the investigation.

How long with the investigation take?

We will investigate your complaint as quickly as possible. We will aim to complete our investigation within eight weeks of receiving the complaint and you will always receive our final response in this timeframe. If we cannot come to a conclusion in that time, we will tell you why and refer you to the Financial Ombudsman Service.

What happens at the end of the investigation?

We will send you a final letter, which will either uphold your complaint and let you know how we plan to resolve it, or reject it.

What if I am not satisfied with your decision?

If, for any reason, you are not happy with our decision, or if we have been unable to reach a conclusion to our investigations, then you will be entitled to refer your complaint to the Financial Ombudsman Service. Their contact details are as follows:

Your loan request for £ is now in our system and will be processed within the next few minutes...

? To provide your personalised loan quote we need to speak to you on the phone briefly to prevent identity fraud. We will call you shortly to ask a few remaining questions, please be ready to accept our call. If you change your mind let our agent know so we can cancel your application.

?Our advice is to not apply elsewhere until you have spoken to us, this ensures you don't accumulate credit searches elsewhere which could harm your credit score.

The products and services available from our website are only available to residents of the UK aged 18 and over, and are subject to status. By using this website you are agreeing to our Legal and Privacy statement.

Who are we?

Apple Loans Ltd

Registered in England 08054059

Registered Office: St Johns Rd, Tunbridge Wells, Kent, TN4 9PH

Is a licensed credit broker under the Consumer Credit Act 1974. License number 650887

Your Personal Information

We will treat all your submitted information as private and confidential, except where permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan or mortgage.

We will store the information about you on a secure server and in other records. We will only use this information for the purposes registered under the Data Protection Act 1998, this may include sharing your information with other selected companies.

Future Marketing

Unless you state otherwise, we may refer your application by letter, e-mail or fax to offer other products which we feel may be of interest to you. If you do not wish to be contacted by any other companies we select for you, please write to the above address, or e-mail your name and address (subject: remove data) to unsubscribe@appleloans.co.uk

Information Collection and Use

We may request information from you on our application form. A user must provide contact information (such as name, email address, home address etc) and in some cases, financial information (such as loan amounts, outstanding credit balances etc). Your information is used in consideration of your loan or mortgage application. Your application will be passed to Central Loans Ltd or any other partner company for processing and underwriting.

Credit Searches

We or any company we refer your application to, may make searches about you with credit reference agencies who will supply credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds.

However, we will only perform a 'soft search' which will not affect your credit rating. If you decide to proceed with one of the loan options offered, then an 'full application search' will be performed. This will only be done on behalf of the lender once we have received your signed application form from you. Application searches may affect your credit score as they are used by lenders when deciding whether to lend you money.

We may use credit-scoring methods to assess your application and to verify your identity. Other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household or finance associates. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.

By stating a financial association with another party, you are also declaring that:

You are entitled to disclose information about your joint applicant and/or anyone else referred by you;

You authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred by you.

Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked.

Complaints

We have formal complaints procedures to ensure that your complaint is handled quickly, fairly and efficiently; a leaflet with details of this process is available on request.

On receipt of your complaint (whether received by telephone, letter, e-mail or fax) the matters raised will be investigated by an independent Complaint Handler within the company.

If we are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service. Our staff will assist you with this.